What are the chances of going bald for me? (No pictures)

[Iktinos]

Men on mothers side:
Full head of thick hair, every single one of them. Pure Filipinos. No baldness whatsoever. My Grandpa has full head of head of hair still at 66.

Men on fathers side (father included)
Bald (majority). Father started balding/thinning at 35. Grandpa he doesn't know.(deceased at young age)

I turned 20 about 3 months ago, and have rapidly thinned out its shocking since then. I still have no hairline recessions, its still a flipped U and does not register anything on NW scale I guess. But you can see my scalp at a couple angles whilst I have medium length hair. But also 3 months ago I was in a near fatal motorcycle crash on my birthday losing lots of skin.. What do you think the stress and shock thinned me out temporarily or genetics just conveniently kicking in?